Unforeseen accident and illnesses can financially and, possibly, physically rob one who does not have proper health insurance of an enjoyable future.
California residents sometimes find themselves, on either a temporary or a long-term basis, without health insurance. For example, each year ambitious Californians aspire to work for themselves by starting their own business. Many professions, from acting to freelancing, offer exciting opportunities for those who want to use their talents and educations to make their dreams come true. But unfortunately along with the excitement of an interesting career can come a problem – no access to group health insurance.
However, going without coverage is not the answer. Being uninsured is a dangerous situation for any individual, regardless of their age, health, or other circumstance. For example, in the space of just one morning between the hours of 10:30 am and 12:30 pm, the Los Angeles Communication Center reported thirteen traffic accidents.
Those unlucky enough to be involved in these accidents might have been in perfect health when they woke up earlier that morning, but that fact was no defense against being injured in a traffic collision that occurred out of nowhere. Without insurance, being injured in any kind of accident can be financially devastating for you and your family.
Allowing health insurance to lapse can also be dangerous if you are diagnosed with or treated for a disease or condition while without coverage. Under HIPAA (the Health Insurance Portability and Accountability Act of 1996), a person has a pre-existing condition if they have been diagnosed with or treated for a condition at any time during the six months prior to the date their new insurance would begin. If you have a pre-existing condition and have been without coverage for an extended period, you may be rejected by some health insurance companies.